Home Loan

Clear copy of Identity Document(s) OR clear copy of passport (for non S.A citizens).

• Payslips:
  – Latest 3 months consecutive payslips. Amount must be verifiable in bank account
  – If in receipt of allowances, commission, overtime or variable income, then 6 months’ latest consecutive payslips are required.
• Bank Statements
  – Latest 3 months’ original bank statements up-to-date, or if copies, they must be stamped by the bank. Internet statements are not acceptable.
  – If in receipt of commission, overtime or variable income, then 6 months’ latest original bank statements, or if copies, they must be stamped by the bank. Internet statements are not acceptable.
  – A consent form (DEA) to obtain bank statements electronically must be submitted where the applicant banks with either ABSA, Nedbank, FNB and STANDARD BANK where the applicant(s) income is deposited.
•  Detailed Income and Expenditure statement, signed by applicant(s)
• Statement of Assets and Liabilities, signed by applicant(s)
• If not a SA citizen, copy of residence and work permits.
• Rental contracts in respect of any rental income which may be used in assessing affordability
• Marriage Certificate, if applicable. If married with AnteNuptial Contract, copy of the marriage contract is required
• Proof of Residence (municipal account or retail account – not older than 2 months)
• SARS Tax Reference Number
• Offer to Purchase (fully completed and signed by all parties)

(This pertains to individuals being Members, Directors or Trustees of cc’s, Trusts or Companies AND purchasing in the name of a Company, cc or Trust)

• Clear copy of Identity Document(s) for all Members/Trustees/Directors OR clear copy of passport (for non S.A citizens)
• Letter from Auditor/Accountant confirming personal income
• A consent form (DEA) to obtain bank statements electronically must be submitted where the applicant banks with either ABSA, Nedbank, FNB and STANDARD BANK where the applicant(s) income is deposited.
• Latest full up-to-date original BUSINESS banks statements, or if copies, they must be stamped by the bank. (Absa: covering latest 12 month period; other banks 6 months – each page stamped by bank branch). Internet statements are not acceptable.
• Latest full original PERSONAL bank statements, or if copies, they must be stamped by the bank. (Absa: covering latest 12 month period; other banks 6 months – each page stamped by bank branch). Internet statements are not acceptable.
• Latest 3 years comparative Audited Business Financial Statements with the latest reporting period being not older than 6 months
• If Audited Financials are more than 6 months old, then up-to-date Management Accounts, signed by Applicant(s) and the Auditor/Accountant
• Latest IT34 as issued by SARS, which can be verified against the turnover on the bank statements, signed by Applicant(s)
• Statement of Personal Assets and Liabilities of all Members/Trustees/Directors, signed by Applicant(s)
• Detailed Income and Expenditure statement, signed by Applicant(s)
• If not an SA citizen, copy of residence and work permits
• Rental contracts in respect of any rental income which may be used in assessing affordability
• Detailed Cash Flow Forecast for the forthcoming 12 months
• Statutory documents – Company/CC/Trust: CK1 and CK2 – founding statement, where applicable
• Marriage Certificate, if applicable. If married with AnteNuptial Contract, provide copy of the marriage contract.
• Proof of Residence (municipal account or retail account – not older than 2 months)
• Offer to Purchase (fully completed and signed by all parties)